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Abbey PPI

If you took out a loan, mortgage or credit card from Abbey in the past and you believe you may have been mis-sold payment protection insurance you might be confused as to where to turn to make a complaint. In January 2010 Abbey branches across the country were rebranded to bear the name of their owner Santander.

Fortunately, for customers who have purchased an Abbey PPI policy in the past and believe it may have been mis-sold they still have the right to make a complaint. When Santander purchased Abbey in 2004 it took responsibility for Abbey’s accountholders and has a responsibility to deal with any complaints on their behalf.

If you are unsure whether your Abbey PPI policy was mis-sold take a look at our checklist below.

Were you told you had to have the cover? PPI has never been compulsory. If you were told you had to have the cover you were given the wrong information.

Were you told taking at the cover would improve your chances of being given the loan, credit card or mortgage? This statement is also incorrect. The decision would be based on your credit rating and your ability to repay the borrowing.

Was the PPI added without your knowledge? In some cases payment protection insurance cover was added to a customer’s agreement without their knowledge or consent. If this happened to you, you may be eligible to make a claim.

Were you unemployed, retired or in full time education? PPI is designed to cover you in the event you cannot work for a short period of time. If you did not have a job when you were sold the policy you had no need for this type of cover.

Were you suffering from a pre-existing medical condition? Most PPI policies do not cover pre-existing conditions. If you were not asked about your medical history, were not told pre-existing conditions would not be covered or were incorrectly told your pre-existing condition would be covered you may have been mis-sold your Abbey PPI and could be eligible to make a claim.

Were you over the age of 65? Most Payment protection policies do not cover people over the age of 65. If you were sold a policy that excluded people in your age category you would never be able to use the cover. This is a clear case of mis-selling.

Were you sold a single-premium payment protection with a loan more than five years in length? Most single-premium policies only last for a maximum of five years. Many people were sold this type of insurance with loans more than five years in length. In some cases the customer was not told that the policy would only partially cover their loan and they would be left without cover.

If you would like to claim back PPI that was mis-sold call our team on 0207 471 2000. We can also help you claim back bank charges if you have paid unfair credit card fees for exceeding your credit limit or making a late payment.


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Belmont Thornton Limited is regulated by the Financial Conduct Authority in respect of regulated claims management activities; FRN:838450

Belmont Thornton Limited is incorporated in England and Wales, Company number 6621233, whose head office at Unit B11, Kestrel Court, Harbour Road, Portishead, Bristol, BS20 7AN and registered office at Harwood House, 43 Harwood Road, London, SW6 4QP.

Belmont Thornton Limited is registered with the Information Commissioners Office. Registration number Z1728023.

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* Belmont Thornton operates on a "No Win No Fee" basis. This means that there are no upfront costs to pay. Our fee only becomes payable on a successful outcome of a claim. A cancellation fee is payable if you decide that having instructed Belmont Thornton to act on your behalf, and after 14 days of signing your Letter of Authority, you do not wish to continue pursuing your claim with us. The cancellation fee is the reasonable costs incurred for the work undertaken. Please see our terms of engagement.

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